The couple that owns the car said they’re struggling to make a claim because their insurance company Progressive told them their system is down. They don't know if their insurance will even cover a tow truck.

"I got a text message from my girlfriend that said her car was on fire," Chad Coley said. "Something combustible caught on fire, and it went up fast."

His girlfriend's 2007 Hyundai Elantra filled the street with foul-smelling smoke in her Fort Myers community.

"I was freaking out," Coley said. "I didn’t know if she was out, if she had been in the car."

Luckily she wasn’t, and when Coley got there, firefighters had already put out the estimated four-foot flames, leaving him and his girlfriend to pick up the pieces.

"Her paperwork was inside the glovebox so we couldn’t actually see all of the information we needed if we had tow coverage, if we had rental car coverage," Coley said.

So they called their insurance company Progressive to get the ball rolling on making a claim, only to be told the system is down.

Coley said the Progressive rep took down their information, and they still haven’t heard back.

"It’s incredibly frustrating," he said. "She has to go back to work tomorrow. Obviously we have to get her a ride or a rental car, things that you think your insurance company is going to help you with."

Progressive said they are not aware of any business disruptions.

Their spokesperson also gave his contact information to pass along and asked that the couple reach out to him directly.

At last check, Coley and his girlfriend said they still have not heard back from the company.